BlastPoint's Banking Scorecard
First Federal Savings Bank
Community
Specialty: Commercial
IN
FDIC cert 29690
Huntington, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Federal Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$559.0M
+7.1% YoY
+0.0% QoQ
|
-$832.4M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$425.4M
+8.9% YoY
-0.1% QoQ
|
-$550.1M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$457.9M
+6.2% YoY
+0.2% QoQ
|
-$706.7M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.17%
+33.3% YoY
+4.0% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.60%
+11.7% YoY
+1.3% QoQ
|
-0.07% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
57.95%
-9.1% YoY
+0.1% QoQ
|
-4.68% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.28%
-0.5% YoY
+7.3% QoQ
|
+0.65% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
92.89%
+2.5% YoY
-0.2% QoQ
|
+9.83% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
11.63%
-0.3% YoY
-1.6% QoQ
|
-9.41% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+1.1% YoY
+7.2% QoQ
|
+0.48% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.49%
-24.1% YoY
+34.7% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#215 of 513 · Bottom 42% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.89%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
64
64th pctile
Efficiency Ratio
Current: 57.95% · Tier avg: 62.63%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.89% · Tier avg: 83.06%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
18
18th pctile
Total Loans
Current: $425.4M · Tier avg: $975.5M
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.63% · Tier avg: 21.05%
9
9th pctile
Total Assets
Current: $559.0M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $457.9M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $457.9M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $559.0M · Tier avg: $1.4B
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.63% · Tier avg: 21.05%
18
18th pctile
Total Loans
Current: $425.4M · Tier avg: $975.5M
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.89% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 57.95% · Tier avg: 62.63%